Looking for Equipment Insurance?
When business equipment is damaged, stolen, or fails unexpectedly, operations can slow or stop. Harper works with carriers known for responsive claims handling. We guide you through documentation, timelines, and repair or replacement steps to reduce downtime and keep work moving.
What is Equipment Insurance?
Commercial equipment insurance helps protect the tools, machinery, electronics, and professional gear your business uses to operate. If covered equipment is damaged, stolen, lost, or accidentally broken, the policy can help pay for repair or replacement—reducing downtime and financial strain for revenue-generating work.
Protection From Theft & Loss
Helps cover covered equipment stolen from job sites, storage locations, or locked vehicles (per policy terms).
Accidental Damage Coverage
Can cover accidental drops, impact damage, or water exposure that happens during normal business operations.
Fire, Vandalism & Weather Prot
Helps protect against covered losses from fire, vandalism, smoke, wind, and other external events.
Breakdown & Equipment
For professionals with highly specialized or sensitive gear, optional breakdown and specialty equipment coverage can.
Who Needs Equipment Insurance?
- Contractors & Trades : Businesses and professionals requiring equipment insurance coverage
- Production & Media Teams : Businesses and professionals requiring equipment insurance coverage
- Field Service Operations : Businesses and professionals requiring equipment insurance coverage
- Pro Services Firms : Businesses and professionals requiring equipment insurance coverage
- High-Value Equipment : Businesses and professionals requiring equipment insurance coverage
Why Harper?
Commercial Equipment Specialists
Harper focuses exclusively on commercial insurance. We insure equipment used to operate, deliver services, and generate revenue. Our team understands job-site exposure, transit risk, storage risk, and daily operational wear. Coverage is designed for professional use—not consumer or recreational purposes.
Fast, Reliable Claims Support
When business equipment is damaged, stolen, or fails unexpectedly, operations can slow or stop. Harper works with carriers known for responsive claims handling. We guide you through documentation, timelines, and repair or replacement steps to reduce downtime and keep work moving.
Fast, Reliable Claims Support
When business equipment is damaged, stolen, or fails unexpectedly, operations can slow or stop. Harper works with carriers known for responsive claims handling. We guide you through documentation, timelines, and repair or replacement steps to reduce downtime and keep work moving.
Coverage Matched to Your Industry
Different industries use equipment in different ways. Harper helps align coverage terms, limits, and endorsements to how your equipment is used, transported, and stored—so your policy reflects real operational exposure rather than generic assumptions.
Frequently Asked Questions
Does it cover theft from my vehicle?
Many commercial policies include coverage for theft from locked vehicles, subject to conditions, limits, and documentation requirements.
Can I insure used or older equipment?
Yes. Previously purchased equipment can often be insured with item details and reasonable valuation, depending on the carrier.
Does this cover accidental damage?
Often yes. Coverage depends on the policy form and options selected. Harper will explain what’s included before binding.
Do I need receipts or serial numbers?
They can help during claims, but they’re not always required to begin coverage. We’ll help you build an equipment schedule over time.
Is equipment insurance tax-deductible?
Often, when the equipment is used for business purposes. Confirm eligibility and treatment with your tax advisor.
How fast can I get coverage?
Coverage can often begin quickly—sometimes same day—depending on equipment value, location, and carrier requirements.
